The State of Wisconsin offers an alternative to filing bankruptcy – Chapter 128.  Chapter 128 is a voluntary debt consolidation plan that is managed through the Wisconsin Circuit Courts.

Advantages of filing a Chapter 128 include, but are not limited to:

  • Stops garnishments
  • Stops late fees
  • Stops interest charges
  • No court appearances
  • Very easy and inexpensive to file
  • Any income level qualifies
  • Repay the debts YOU choose over a 3-year period
  • Keep all of your assets – no questions asked.

Filing a Chapter 128 is an attractive option to those who do not want to file bankruptcy, but are having trouble managing their debt.  It is also a great option for those who are currently experiencing wage garnishments, or those who simply cannot catch up on their credit cards due to high interest rates.

If you’ve been considering bankruptcy and would like to discuss the potential of filing a 128, please contact my office to schedule a consultation.  We will discuss your options and put together a game plan.  I offer FREE ½ hour consultations.

Attorney Jennifer L. Ryczek

Please note:  This information is not, nor is it intended to be, legal advice. You should always consult an attorney for individual advice regarding your own situation.  We are a debt relief agency.  Among other services, we help people file for bankruptcy relief under the bankruptcy code.

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